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Get real personalised rate offers from
multiple lenders in minutes with no
impact on your credit score.
Get real personalised rate offers from multiple lenders in minutes with no impact on your credit score.
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Every day we help customers just like you get behind the wheel with great finance deals. With a panel of over 40 lenders, we can get you behind the wheel of your new vehicle fast. Simply click the button below to complete our simple online application and we will help you find a finance deal that fits your needs and budget.
Need car finance? Follow our 4 step process to apply online and get pre-approved today.
To qualify for a loan you must be over 18 years old. be an Australia citizen or permanent resident, be currently employed, earn at leat $400 per week (after tax) and not be in an undischarged bankruptcy or part 9 debt arrangement.
Our automated finance software, ZINK, will help you march with a lender that suites your circumstances .
Get approved and drive away!
* T & C apply in meeting minimum eligible lending criteria.
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We are the largest privately-owned finance brokerage and aggregation business in Australia. Through our multi-award-winning fintech software, ZINK, we qualify online car finance applicants and search for loans from a panel of 40+ lenders to find the right product. Our team of more than 150 asset finance brokers around Australia work on the applications until settlement, guiding our customers and answering their questions through the whole process.
We are a multi-award-winning independent finance group that provides a holistic finance solution. Whereas a bank offers you a fixed solution with a single lender, we compare 40+ lenders to find the best car finance rates for your specific circumstances. Once you're matched with a lender, you're assigned to a professional car finance broker from a team of more than 150 asset finance brokers around the country.
Our car finance interest rates can vary depending on the age of the asset you are buying, your credit file, credit score, assets and liabilities. Our rates start as low as 4.69%* p.a for new vehicles for businesses and consumers.
* based on a commercial contract for a new green vehicle with specific criteria.
Not necessarily, you can source your own car. But if you wish, we offer a holistic solution; from sourcing a vehicle to new and used car finance at the most competitive rates. If you would like assistance with your vehicle, we can introduce you to our national dealer network.
Not if you are currently in bankruptcy or in Part 9 or 10 debt agreement. However, if you are discharged or more than half of your bankruptcy period has passed we can be able to assist you. Click here for an assessment that will not damage your credit score or call on 1800 2777 6899 and talk to one of our experienced brokers to find a solution.
Making an application is quick and easy. You just need to have the following documents ready to give to your broker:
Yes, you can. If you are self-employed, you can borrow up to 100% of your car's purchase value and include extras such as insurance, extended warranties, and on-road costs.
The entire process, from completing our application form to approval, and your chosen seller receiving funds in their bank account, may be done as quickly as only a few hours. However, consider actual turnaround times will vary significantly depending on many factors; lender turnaround times, contactability of the applicant, the strength of the applicant's profile, gathering the required documents, additional information required by the lender, etc.
Depending on the information readily available and uploaded by you, our online application may take only minutes to fill out. Once completed our customer service team will usually call you within the next 2 business hours to let you know whether your application has been pre-approved. and if so transfer you to an assigned broker. Lender settlement times may vary depending on current customers' queues.
Yes, you can get approved for a bad credit car loan. At Ausloans we believe in assessing your circumstances and finding a solution that best suits you, so if you have bad credit or you are currently on Centrelink we might be able to help you. To help bad credit car finance applicants or Centrelink car loan applicants, we created 1800Approved; an established car finance brand specialising in credit rehabilitation for mid and subprime lending for both consumer and commercial applicants. We do this with the help of our 40+ lender portfolio, so give us a call or click here for an assessment that will not damage your credit score.
At Ausloans, unlike a bank, we do not leave an impression on your file as part of our assessment so it will not show on your credit file as a “declined” if your application is unsuccessful. But be aware that more than 6 enquiries in a 12-month period may affect your application for finance.
A balloon payment allows you to reduce your repayments during the car loan term by making a one-off lump sum payment at the end of your loan. For example, if you were to take a $30,000 loan over five years with a 30% balloon, your regular repayments at a comparison rate of 8.10% would drop from $609.73 per month to $467.24 per month with the addition of a $9,000 lump sum payment due with your final payment. Balloon payments are available for cars that are up to five years of age. We will contact you within the last six months of your loan term to discuss your payment options. Your payment options could include refinancing the balloon amount in a new car loan. Alternatively, you could pay this balloon payment from your own funds.
The short answer is yes, if your repayments are 14 days overdue or more then this will usually be recorded on your credit score.
All loans can be paid out early however there is a cost that varies between lenders and loan types.
Commercial loans traditionally request you pay between 30% and 70% of the unaccrued interest.
Whereas consumer loans ask for a simple fee of $5 to $10 for each month that was not completed in the loan term.
The above is information is a guide only and will be dependent on both the lender you are with and when your loan was originated.
